Incremental whole life insurance is a kind of insurance that integrates financial management and insurance functions, mainly to protect death or total disability. The effective insurance amount will usually increase at a fixed interest rate from the second policy year, and the longer the policy is held, the higher the insurance amount will be. In addition, whole life insurance's funds are highly flexible. When you are 55 years old, you can usually get the cash flow of pension by reducing insurance benefits. If you don't know much about the increment in whole life insurance, you can read this article first: Where is the increment in whole life insurance that can manage money and guarantee it? Is it worth starting with?
So, what extra whole life insurance is worth as a pension plan? Senior sister searched dozens of products on the market deeply and found that Happy ever after 2.0 under Hongkang Life Insurance is very worthy of our configuration. I don't want to say anything more. Look at the protection map first.
First of all, the payment period of happy ever after 2.0 is quite diverse, supporting wholesale payment and 3/5/ 10/ 15/20-year payment, which is enough to meet the needs of most small partners. If you don't know how to choose the appropriate payment period, you can refer to this article: How to choose the payment period so as not to lose money?
Secondly, in terms of protection content, Happy Forever 2.0 provides basic death/total disability protection. Senior sister found that the proportion of payment corresponding to her death/total disability was relatively reasonable, among which 18 to 40 years old had the highest proportion of payment, which was 160%, which can be said to give us a full sense of security at the important stage of life struggle.
Finally, as an increasing whole life insurance, the coverage of Happy Forever 2.0 has increased by 3.5%, which is an excellent level in the market and can bring us considerable benefits. Due to the limitation of space, seniors and seniors will introduce this for the time being. If you want to know more about this product, please go to this article: Happy whole life insurance after Hongkang Life Insurance 2.0 is added. Take a quick look!
Hope to adopt!
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